Bradford, PA · Charter 3651
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 0.22% | 0.36% | -0.33% | 0.53% | -0.21% | -0.33% | -1.15% | -82 bps | |
| Return on Equity | 4.50% | 0.44% | 0.74% | -0.63% | 1.07% | -0.44% | -0.70% | -2.26% | -163 bps | |
| Net Interest Margin | 4.95% | 3.22% | 3.18% | 2.73% | 2.60% | 2.12% | 2.10% | 1.61% | -112 bps | |
| Efficiency Ratio | 54.55% | 93.24% | 88.81% | 111.82% | 79.81% | 109.92% | 115.84% | 170.46% | +5,864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | -2.74% | 0.53% | -0.95% | 1.72% | 2.87% | 1.27% | 0.19% | +114 bps | |
| Loan Growth (YoY) | -7.74% | -8.66% | -6.33% | -5.33% | -23.25% | -18.83% | -22.75% | -19.51% | -1,418 bps | |
| Share Growth (YoY) | -2.48% | -4.65% | 0.89% | -0.98% | 5.40% | 7.83% | 4.08% | 3.05% | +403 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.56% | 5.00% | 5.27% | 4.47% | 1.95% | 0.00% | -500 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.69% | 0.71% | 0.75% | 0.84% | 0.82% | 0.92% | 0.02% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 50.70% | 50.50% | 48.95% | 51.99% | 49.10% | 48.57% | 47.51% | 50.74% | -125 bps | |
| Net Worth / Assets | 50.70% | 50.50% | 48.95% | 51.99% | 49.10% | 48.57% | 47.51% | 50.74% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.59% | 74.84% | 65.09% | 71.45% | 55.77% | 56.33% | 48.31% | 55.81% | -1,565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |